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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $116,220 | $112,729+3.1% | $98,716+17.7% | $137,256-15.3% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 14.24% | 38.48%-24.2pp | 31.81%-17.6pp | 220.34%-206.1pp |
| Employer contribution / active EE | $2,407 | $2,725-11.7% | $2,279+5.6% | $4,156-42.1% |
| Participant deferral / active EE | $5,805 | $4,640+25.1% | $4,048+43.4% | $6,407-9.4% |
| Admin fee / account holder | $32,811 | $10,129+223.9% | $8,703+277.0% | $12,270+167.4% |